When paying for goods online we tend to use our credit card, it is one of many ways to pay for a product online and the reason it is so popular is because it is the easiest and quickest method of payment when ordering online. Many websites are very legit and have a very safe method of making the payment as smooth as possible with no problems. New users to online shopping definitely need to read this article because it will give you tips and advice on how to stay clear of scammers who are after your money and have no interest in sending you the goods which you rightfully paid for.

Scammers seem to follow a pattern, which is easily identified. They will normally have a bog standard website, not very professional. Secondly they normally don’t have a secure payment method and this leaves you more vulnerable to them taking your money and you not receiving your product. They also tend to send out bogus receipts, which claim to have all the details of the transaction when in reality it is a fake. They do this and trick you into thinking that you can use the receipt against them. But you must always double-check these emails to make sure they are not fraudulent and most importantly not a fake.

When ordering online the first thing you should check is if the site is legit, whether it has a good background and is reputable enough to buy products off. If the site is not reputable or has a bad reputation when selling products then do not buy items off the site because they may be scammers. The second thing you need to look out for is whether the site has a secure payment method for when using your credit card, you need to make sure that any payments you are making are secure and cannot be viewed by anyone other than you, this prevents other people mainly hackers stealing your credit card details. The third thing you need to look out for when ordering online is that the site has a guarantee of sort, that way you can send the item back if it comes damaged. These three steps are essential when ordering online to avoid being scammed in anyway. Another good tip is to always read the fine print, many scammers will leave there terms and conditions in fine print in a hard to find place on their site, so make sure you know all the facts before using your credit card.

If you want to be 100% sure that nobody can hurt you with identity theft, than LifeLock is a great decision. LifeLock is a company that specializes in identity theft protection by blocking the thief from using your personal information to get a loan. Lifelock Reviews suggest that Lifelock has almost 100% rate of saving your from identity thieves getting a loan in your name. Although some sources suggest that there is a possibility of Lifelock Scam, that has not been proven. Company continues to save many Americans from identity theft for only $10 a month.

It’s a fact of life, with greater technical innovation there are increasing opportunities for credit theft. The most common way this is achieved is by someone stealing your identity. With just a few details an “identity thief” can effectively take over your life! They can take out bank loans, phone contracts, credit cards, and more. In one case an identity thief even took over someone’s house and then re-mortgaged it!

So, you say it won’t happen to you? But the fact is it will eventually happen to you unless precautions are taken. Suppose someone gets access to your post, from this they can get utility invoices which in turn can be used as proof of residence to take out a bank loan. Once someone has your name and address they can also check out Facebook and maybe find your date of birth and photo. The thief now has enough information to do just about anything.

Just imagine you are a landlord letting a property to someone, they have all of this fake data, when they default on their rent you will never find them, you will only trace the individual whose identity was stolen. For landlords however there is some opportunity for protection, they can carry out tenant checks or tenant screening using a specialist for credit check services. But for the individual whose identity was stolen, there is just one option, you need to take action to protect your data before it is too late!

Ever had your credit card stolen? Have you ever wondered what sort of damage it can cause to the victim? Credit card theft is a very common crime committed in today’s society, the reason being because it is so easy to steal a small card and it is so easy to use it and buy any item of your choice, the worst part of credit card theft is that the chances of catching the criminal can be very slim, especially if you are not aware of the theft and have not blocked any payments to the credit card. In this article I will be exploring the effects that credit card theft can have on the victims.

Many victims of credit card theft have been through hell, the experience can be horrifying, they can lose a lot of money due to transactions made by the thief on their credit card and this can lead to further issues such as stress and in some cases even loss of a home to live in. You could be walking to the shops as usual like you would any other week and you then go to pay for the items with your credit card and suddenly a man suddenly swipes it out of your hand and runs. When he has possession of your credit card he is free to buy almost anything he wants, he will slowly build up a huge debt on your credit card bill and when receiving this in the post you can be shocked at how much has been spent. You may have thought nothing of having your card stolen, but having it stolen is basically having money taken from your pocket. In some cases it can be thousands and thousands until the card reaches its monthly limit. This is why you need to make sure you block any payments made by the card as soon as you notice the card is missing, you need to be aware and check that you know where you card is at all times because if you lose it and do not do anything about it then you my find yourself falling into a big financial debt and not being able to do a thing about it. If you block any incoming payments made to the card then you can avoid a lot of money loss and make sure it does not further damage.

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Skimming is the theft of credit card information by a dishonest employee of a legitimate merchant, manually copying down numbers, or using a magnetic stripe reader on a pocket-sized electronic device. Common scenarios for skimming are restaurants or bars where the skimmer has possession of the victim’s credit card out of their immediate view. The skimmer will typically use a small keypad to unobtrusively transcribe the 3 or 4 digit Card Security Code which is not present on the magnetic strip.

Many instances of skimming have been reported where the perpetrator has put a device over the card slot of a public cash machine (Automated teller machine), which reads the magnetic strip as the user unknowingly passes their card through it. These devices are often used in conjunction with a pinhole camera to read the user’s PIN at the same time.

To prevent this type of fraud, cards in countries such as the UK are issued featuring a smart chip with public key encryption. The chip cannot be copied, but the card number, expiry date and security code can be, and this set of data is often sufficient to use the victim’s credit card account for fraudulent purposes with so-called “card not present” transactions, e.g., manual input, over the telephone or internet.

 Skimming is a growing problem today and you should always be extremely careful with your credit cards. Always check the ATM machine for any sign of misuse (cameras overlooking the keyboard or some insert in the slot for the credit card). Be sure you always have your card in view when paying in shop or restaurant.

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In this age, taking measures to keep your lives private is not a luxury but a necessity. This world has become a global village and many people are trying to steal your personal information either for personal or for corporate purposes. There are many ways that are used by people to steal your credit card information. Never believe fake emails saying some thing about discount or anything about wining a prize. There are thousands of identity theft (via email) cases reported each year. People surfing on the internet some times make mistakes that cost them to much. The most common method used for identity theft is internet email. Nowadays, almost every online service providers uses email to contact their costumers.

If you receive any email which appears to be from your bank saying that they require you to enter your credit card information some where for some reason; never do it. In case you feel that some emails do appear to be from your bank, then always first call your bank to verify it. So how can some one steal my personal information via email? Let’s imagine a scenario where you wake up one day, go to your office and check your mail box. You received an email saying some thing about 70 percent discount. You open that email and read it. It says some thing like this; you are one of the 100 people to whom we proudly offer 70 percent discount on the following items. Oh, what a coincidence, you are interested in one of the items in the list. So you visit their website found in the same email. The website is beautiful and you are thinking that you are the luckiest man on the earth. You fill the first form where you enter your address and then comes the page where you are requested to enter your credit card information. You are excited and in this excitement, you forget to verify that whether or not the site is secure. You just enter the credit card information and then after few days, you realize that you have been hit by credit card theft.

It is also also very important to make sure that your computer does not have any virus or SpyWare on it, by running a scan as often as possible. Use AntiVirus software such as MacroVirus On-Call, that also offers free download and scan of your computer.

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Spyware is a program that many companies attach along with their software or file you have downloaded of the Internet, so that they can monitor person’s habits. This information is then transmitted secretly to the companies via Internet. The companies make or market already made products based on the habits of a person.  This is one of the extreme forms of marketing and uses a lot of bandwidth and processing power of a computer. The result of Spyware software can be anything from annoying popups on your screen, constant spam emails, or even personal data being transmitted away from your computer, such as credit card and social security numbers. 

Sometimes when you download something, usage of Spyware is mentioned by the parent company in the End User License Agreement window, so it is very important to check it. Some companies offer free software just to send you Spyware with it. Spyware is also very common in P2P shared files, such as the one on LimeWire

You can make your computer a virtual fortress by taking some measures that would bring back peace to you and processing to your computer. You should always have an Antivirus or AntiSpyware software installed, to make sure that no personal information is going of your computer.

You can start a full system scan by using some anti Spyware software’s like SpyWare Removal from AdwareAlert. This program offers free scan, so you can immediately see if somebody is tracking your moves. You should follow all the instructions given by the software to make absolutely sure that all the Spyware is cleaned from you computer. You will probably be shocked to see how many intruders there are on your computer already, that is if you haven’t used any AntiSpyware software before.

You will probably ask yourself what is Phishing? This term has been widely used for past couple of years; Phishing refers to the objectionable action of intervening in one’s personals affairs and stealing valuable information by fraud. Usually associated with web-based fraud, and includes stealing of access usernames, passwords, and other important personal information as credit card accounts etc.

The most common Phishing tactic is a fake email which directs you to a website you are already registered on and asks you to fill up all your personal data again, probably stating a problem with their system or the fact that you didn’t enter it correctly the first time. You are asked to enter all the information such as your social security number, credit card details, passwords and back account numbers, all the stuff you have previously given to the same organization.

A relatively new idea related with Phishing is phone Phishing, the basic phenomenon being the same, stealing information; recently there have been records of people getting phone calls from their respective banks and being asked to dial a number, upon dialing the users talk to a so-called bank employee who prompts them to tell him their personal information. The website and employee obviously being fake, steal all your precious information.

Phishing may be carried out through instant messaging, email and phone, the method being the same fake links. The idea of Phishing dates back to as long as 1996. The damages include failure of access to email accounts to significant financial losses.

Now a very important question arises, how do we cope with phishers? Awareness doesn’t quiet do the job as phishers send out millions of mails daily looking for potential targets. The most important is to NEVER trust an email or phone call asking you for any kind of your personal detail. Check for authenticated links and send your organization an email or phone them, to check for the validity of the link.

To keep in check phone phishers ask the employee for identification and give him a call back on a phone number listed on the company’s REAL home page or your credit card or banking account contract. This whole counter checking process is a bit time consuming, but it’s your personal information and you have to do whatever you can to keep it safe. If you want a faster counter checking technique, it might be a good idea to check out anti-Phishing software available in the market from Norton etcetera.
Phishing is a menace and nobody but you yourself can keep you and your information safe! See this post to get an idea about how damaging phishing can be to you.

Chris Hansen of Dateline NBC finds people that are behind credit card thefts and shows us how they operate. This show is a must see for anybody using their credit card on the internet.